Call reports 2005
BANK OF ALAPAHA — 2005
What BANK OF ALAPAHA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 80,775,000 | 79,547,000 | 83,123,000 | 89,315,000 |
| Total loans | 48,441,000 | 52,083,000 | 55,300,000 | 50,820,000 |
| Allowance for loan losses | 678,000 | 721,000 | 766,000 | 807,000 |
| Securities available for sale | 11,709,000 | 11,854,000 | 11,737,000 | 12,175,000 |
| Securities held to maturity | 5,135,000 | 5,120,000 | 5,566,000 | 5,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,196,000 | 69,724,000 | 72,840,000 | 79,263,000 |
| Interest-bearing deposits | 59,010,000 | 57,954,000 | 60,100,000 | 61,685,000 |
| Noninterest-bearing deposits | 12,186,000 | 11,770,000 | 12,740,000 | 17,578,000 |
| Equity capital | 9,050,000 | 9,301,000 | 9,567,000 | 9,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,335,000 | 3,681,000 | 5,090,000 |
| Interest expense | 282,000 | 606,000 | 983,000 | 1,387,000 |
| Net interest income | 850,000 | 1,729,000 | 2,698,000 | 3,703,000 |
| Noninterest income | 207,000 | 438,000 | 651,000 | 845,000 |
| Noninterest expense | 652,000 | 1,326,000 | 1,978,000 | 2,626,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 345,000 | 721,000 | 1,191,000 | 1,682,000 |
| Income tax | 125,000 | 249,000 | 393,000 | 593,000 |
| Net income | 220,000 | 472,000 | 798,000 | 1,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,233,000 | 9,396,000 | 9,722,000 | 9,615,000 |
| Total capital | 9,911,000 | 10,117,000 | 10,488,000 | 10,422,000 |
| Risk-weighted assets | 64,547,000 | 65,728,000 | 72,332,000 | 78,219,000 |
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